Senior Relationship Manager - Business Banking
AI job insight
Fairmoney Microfinance Bank is hiring a Senior Relationship Manager for Business Banking based in Cross River, Nigeria. The role focuses on driving merchant and SME lending sales, growing the loan book profitably, and managing offline payment solutions including POS terminals. Candidates should have strong experience in business banking or fintech credit sales.
- Focus on merchant and SME lending sales across Cross River
- Hybrid work arrangement with field merchant visits
- Own end-to-end loan origination and portfolio management
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Fairmoney Microfinance Bank is hiring a Senior Relationship Manager for Business Banking based in Cross River, Nigeria. The role focuses on driving merchant and SME lending sales, growing the loan book profitably, and managing offline payment solutions including POS terminals. Candidates should have strong experience in business banking or fintech credit sales.
- Focus on merchant and SME lending sales across Cross River
- Hybrid work arrangement with field merchant visits
- Own end-to-end loan origination and portfolio management
- Drive POS payment adoption alongside lending growth
- 8+ years experience in business banking or fintech credit required
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required8+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, retail, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Cross RiverThe vacancy is associated with this location.
- UnclearComfort with the Hybrid contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Senior Relationship Manager - Business Banking evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Fairmoney Microfinance Bank and the role in Cross River.
- Add concrete examples related to sales, retail, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Senior Relationship Manager - Business Banking role in sales, retail?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Cross River under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Fairmoney Microfinance Bank before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
The Senior Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.
Key Responsibilities
- Merchant & Business Lending:
- Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
- Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
- Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
- Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.
- Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
- Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
- Portfolio, Performance & Market Management:
- Actively drive to meet and exceed lending and payments performance targets.
- Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
- Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.
- Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
- Offline Payments Acquiring:
- Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
- Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
- Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
- Grow regional transaction volume, value, and revenue in alignment with lending objectives.
Requirements
- 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
- Excellent communication, negotiation, and relationship management skills.
- Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
- Experience acquiring and managing a lending portfolio of a minimum of N2B+
- Highly results-driven, commercially minded, and execution-focused.
- Proven track record of loan book growth and sales target achievement.
- Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
- Benefits
- Private Health Insurance
- Pension Plan
- Performance Bonus
- Training & Development.
- How to Apply
- Interested and qualified candidates should:
- Click here to apply online
- Recruitment Process
- A screening call with a member of the recruitment team for 30 minutes.
- Technical interview with the hiring manager for 30 to 60 minutes.
- View all Jobs in Nigeria